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AMFI-registered Distributor-Mutual Funds|SIF|PMS|Insurance & Legacy.
—Depth over volume, always.
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  3. The Space Between Mutual funds and PMS
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Pillar 03 · The Space Between Mutual funds and PMS

Flexible strategies for more sophisticated investor.

An index of ~15 questions — Where the honest thinking begins

•If an SIF and a mutual fund arrived at the same place, which one quietly cost you more to get there?
•Have you looked at what you'd actually keep after tax or only at what the strategy is meant to earn?
•Would you still be comfortable owning this if you couldn't exit the week you suddenly needed the money?
•Does your manager earn more only when you do or also simply for taking bigger risks?
•If the entry ticket weren't so high, would this product still feel as attractive to you?
•How much of your comfort rests on the strategy itself and how much on one person continuing to run it well?
•Would you be at peace owning something whose weak quarters you can't fully explain, even to yourself?
•Are you adding this to close a real gap in your plan or to feel your portfolio has finally grown up?
•If you removed this SIF tomorrow, would your plan actually fail or just feel less sophisticated?
•Do you understand this well enough to keep holding it when someone you respect says you were foolish to buy it?
•At your portfolio size, does one misjudged product cost you more than any extra return it might add?
•Can you describe, in advance, the kind of year that would make you regret this and are you at peace with it arriving?
•Would you recognise the moment to walk away from this strategy and would you act, or keep hoping?
•Are you paying for genuine skill and flexibility or for the quiet comfort of owning what most people can't?
•In the end, is this a decision about your money or about how you'd like to see yourself as an investor?
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